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随着金融全球化和一体化的发展,金融领域的交叉融合和混业经营,银行和保险的合作产生了新的领域——银行保险。本文介绍银行保险及我国银行保险发展的状况和存在的问题;分析与借鉴发达国家银行保险成功经验;简述提出我国银行保险业建立银保合作模式、销售模式、产品型态、销售管理、金融监管五位一体的对策体系。
With the development of financial globalization and integration, the cross-integration and mixed operation in the financial field, the cooperation between banks and insurance has created a new field - bank insurance. This article introduces the status of bank insurance and the development of bank insurance in our country and its existing problems; analyzes and draws on the successful experience of bank insurance in developed countries; concludes that the establishment of bank-insurance cooperation mode, sales model, product type, sales management, finance Regulate the five-in-one system of countermeasures.